<PAGE>

                                    UNITED STATES
                         SECURITIES AND EXCHANGE COMMISSION 
                               WASHINGTON, D.C. 20549


                                      FORM 10-Q


                  QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)
                       OF THE SECURITIES EXCHANGE ACT OF 1934


                        For the quarter ended March 31, 1998


                           Commission File Number 0-19506


                           UNITED WISCONSIN SERVICES, INC.
               (Exact name of registrant as specified in its charter)


         WISCONSIN                                              39-1431799
  (State of Incorporation)                                   (I.R.S. Employer
                                                            Identification No.)


401 WEST MICHIGAN STREET, MILWAUKEE, WISCONSIN                  53203-2896
   (Address of principal executive offices)                     (Zip Code)


Registrant's telephone number, including area code:      (414) 226-6900


Indicate by check mark whether the registrant (1) has filed all reports 
required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 
1934 during the preceding 12 months (or for such shorter period that the 
registrant was required to file such reports), and (2) has been subject to 
such filing requirements for the past 90 days.


     YES _X_    NO ___


    Number of shares of Common Stock outstanding as of April 30, 1998 was 
16,544,121.



                                       1

<PAGE>

  PART I.  FINANCIAL INFORMATION
  Item 1.   Financial Statements


                         UNITED WISCONSIN SERVICES, INC.
                           CONSOLIDATED BALANCE SHEETS
                                   (Unaudited)

<TABLE>
<CAPTION>
                                                  March 31,      December 31,
  ASSETS                                            1998            1997 
                                                  ---------      ------------
                                                         (In thousands)
<S>                                               <C>               <C>
  Current assets:
    Cash and cash equivalents                     $  47,081         $  62,324
    Investments - available for sale                442,360           419,417
    Due from affiliates                               1,205             5,510
    Other receivables                                65,860            66,306
    Prepaid and other current assets                 18,111            19,441
                                                  ---------         ---------
  Total current assets                              574,617           572,998

  Investments - held to maturity                     11,768            11,697
  Property and equipment, net                        44,231            44,147
  Goodwill and other intangibles, net               142,092           142,801
  Other noncurrent assets                            26,450            24,019
                                                  ---------         ---------
  Total assets                                    $ 799,158         $ 795,662
                                                  ---------         ---------
                                                  ---------         ---------
</TABLE>
           See Notes to Interim Consolidated Financial Statements

                                      2

<PAGE>

                           UNITED WISCONSIN SERVICES, INC.
                             CONSOLIDATED BALANCE SHEETS
                                     (Unaudited)


<TABLE>
<CAPTION>
                                                                       March 31,     December 31,
LIABILITIES AND SHAREHOLDERS' EQUITY                                     1998            1997
                                                                       ---------     ------------
                                                                             (In thousands)
<S>                                                                     <C>            <C>
Current liabilities:
  Medical and other benefits payable                                    $175,297       $187,053
  Advance premiums                                                        51,102         44,045
  Due to affiliates                                                        4,797          3,345
  Payables and accrued expenses                                           43,440         49,856
  Other current liabilities                                               32,052         23,862
                                                                        --------       --------
Total current liabilities                                                306,688        308,161

Long-term debt:
  Affiliates                                                              70,000         70,000
  Other                                                                   53,078         53,378
Other noncurrent liabilities                                              37,593         37,746
                                                                        --------       --------
Total liabilities                                                        467,359        469,285

Redeemable preferred stock -                                                    
  Series A adjustable rate nonconvertible, $1,000
    stated value, 25,000 shares authorized                                     -              -
                                                                                               
Shareholder's equity:
  Preferred stock (no par value, 475,000 shares authorized)                    -              -
  Common stock (no par value, $1 stated value,
    50,000,000 shares authorized, 16,544,047 and
    16,509,578 shares issued and outstanding at
    March 31, 1998 and December 31, 1997, respectively)                   16,544         16,510
  Paid-in capital                                                        187,627        186,768
  Retained earnings                                                      121,740        117,331
  Unrealized gains on investments                                          5,888          5,768
                                                                        --------       --------
Total shareholders' equity                                               331,799        326,377
                                                                        --------       --------
Total liabilities and shareholders' equity                              $799,158       $795,662
                                                                        --------       --------
                                                                        --------       --------
</TABLE>
           See Notes to Interim Consolidated Financial Statements

                                      3

<PAGE>

                         UNITED WISCONSIN SERVICES, INC.
                        CONSOLIDATED STATEMENTS OF INCOME
                                 (Unaudited)


<TABLE>
<CAPTION>
                                                                  Three months ended
                                                                       March 31,
                                                                   1998        1997
                                                                 ---------   ---------
                                                       (In thousands, except per share data)

<S>                                                              <C>          <C>
Revenues:
    Health services revenues:
        Premium revenue                                           $383,011    $388,608
        Other revenue                                               11,920      13,945
    Investment results                                               9,971       9,845
                                                                  --------    --------
Total revenues                                                     404,902     412,398

Expenses:
    Medical and other benefits                                     305,423     310,170
    Selling, general and administrative expenses                    83,064      90,695
    Profit sharing on joint ventures                                 1,124         845
    Interest expense                                                 2,303       2,217
    Amortization of goodwill and other intangibles                   2,347       2,441
                                                                  --------    --------
Total expenses                                                     394,261     406,368
                                                                  --------    --------

Income before income tax expense                                    10,641       6,030
Income tax expense                                                   4,250       2,660
                                                                  --------    --------
Net income                                                        $  6,391    $  3,370
                                                                  --------    --------
                                                                  --------    --------

Earnings per common share:
    Basic                                                         $   0.39    $   0.21
    Diluted                                                           0.38        0.21
</TABLE>
           See Notes to Interim Consolidated Financial Statements

                                      4

<PAGE>

                        UNITED WISCONSIN SERVICES, INC.
                     CONSOLIDATED STATEMENTS OF CASH FLOWS
                                (Unaudited)

<TABLE>
<CAPTION>
                                                                               Three months ended
                                                                                    March 31,
                                                                              1998              1997
                                                                           ---------         ---------
                                                                                 (In thousands)
<S>                                                                        <C>               <C>
Operating activities:
    Net income                                                             $   6,391      $   3,370
    Adjustments to reconcile net income to net cash
        provided by (used in) operating activities:
            Depreciation and amortization                                      4,780          5,764
            Realized investment gains                                         (2,271)        (2,409)
            Deferred income tax benefit                                         (132)        (1,032)
            Changes in other operating accounts:                                    
                Other receivables                                                222         (5,348)
                Medical and other benefits payable                           (11,336)       (13,761)
                Advance premiums                                               7,057          1,245
                Due to/from affiliates                                         5,757          3,828
                Other - net                                                   (3,868)        (5,290)
                                                                           ---------      ---------
                    Net cash provided by (used in) operating activities        6,600        (13,633)

Investing activities:
    Purchases of available for sale investments                             (133,357)      (145,873)
    Proceeds from sale of available for sale investments                     112,156        149,443
    Proceeds from maturity of available for sale investments                     900          2,035
    Purchases of held to maturity investments                                   (348)        (1,139)
    Proceeds from maturity of held to maturity investments                       195          1,005
                                                                           ---------      ---------
                    Net cash provided by (used in) investing activities      (20,454)         5,471

Financing activities:                                                                          
    Cash dividends paid                                                       (1,982)        (1,969)
    Issuance of common stock                                                     893           (236)
    Repayment of debt                                                           (300)          (300)
    Net borrowings under line of credit agreement                                  -         (1,200)
                                                                           ---------      ---------
                    Net cash used in financing activities                     (1,389)        (3,705)

Cash and cash equivalents:
    Decrease during period                                                   (15,243)       (11,867)
    Balance at beginning of year                                              62,324         51,146
                                                                           ---------      ---------

    Balance at end of period                                               $  47,081      $  39,279
                                                                           ---------      ---------
                                                                           ---------      ---------
</TABLE>
           See Notes to Interim Consolidated Financial Statements

                                      5

<PAGE>

                           UNITED WISCONSIN SERVICES, INC.
                  NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS
                                     (UNAUDITED)


1.   SIGNIFICANT ACCOUNTING POLICIES

     BASIS OF PRESENTATION - The accompanying consolidated financial statements
     for United Wisconsin Services, Inc. (the Company) have been prepared in
     accordance with generally accepted accounting principles.  The financial
     information included herein has been prepared by management without audit
     by independent certified public accountants.

     The unaudited financial statements include all adjustments and accruals
     consisting only of normal recurring accrual adjustments which are, in the
     opinion of management, necessary for a fair presentation of the
     consolidated financial position and results of operations for the interim
     periods.  The results of operations for any interim period are not
     necessarily indicative of results for the full year. The unaudited interim
     consolidated financial statements should be read in conjunction with the
     consolidated financial statements and notes thereto for the year ended
     December 31, 1997, incorporated by reference or included in the Company's
     Form 10-K, as filed with the Securities and Exchange Commission.

     EARNINGS PER COMMON SHARE - Basic earnings per common share are computed by
     dividing net income by the weighted average number of common shares
     outstanding.  Diluted earnings per common share are computed by dividing
     net income by the weighted average number of common shares outstanding,
     adjusted for the effect of dilutive securities for employee stock options. 
     Weighted average common shares outstanding were 16,515,874 and 16,337,616
     and the effect of dilutive securities were 245,946 and 87,617 for the three
     months ended March 31, 1998 and 1997, respectively.
     
     COMPREHENSIVE INCOME - As of January 1 1998, the Company adopted Statement
     130, REPORTING COMPREHENSIVE INCOME.  Statement 130 establishes new rules
     for the reporting and display of comprehensive income and its components;
     however, the adoption of this statement had no impact on the Company's net
     income or shareholders' equity.  Statement 130 requires unrealized gains or
     losses on the Company's available-for-sale securities and foreign currency
     transactions adjustments, which prior to adoption were reported separately
     in shareholders' equity to be included in other comprehensive income. 
     Prior year financial statements have been reclassified to conform to the
     requirements of Statement 130.  During the first quarter of 1998 and 1997,
     total comprehensive income(loss) amounted to $6,511,000 and $(3,208,000),
     respectively.
  
     RECLASSIFICATIONS - Certain reclassifications have been made to the
     consolidated financial statements for 1997 to conform with the 1998
     presentation.

                                      6

<PAGE>

ITEM 2.   MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND
          RESULTS OF OPERATIONS

OVERVIEW

    United Wisconsin Services, Inc. (the Company) is a leading provider of
managed health care services and employee benefit products.  The Company's three
primary product lines are (i) Health Maintenance Organization (HMO) products,
including Compcare Health Services Insurance Corporation  (Compcare), Valley
Health Plan, Inc. (Valley), Unity Health Plans Insurance Corporation (Unity) and
certain point-of-service (POS) and other related products managed by Compcare,
Valley and Unity; (ii) small group managed care and life products sold through
American Medical Security Group, Inc. (AMSG), and American Medical Security
Holdings, Inc. (AMS), which owns United Wisconsin Life Insurance Company
(UWLIC), and (iii) specialty managed care products and services, including
dental, life, disability and workers' compensation products, managed care
consulting, electronic claim submission, pharmaceutical management and managed
behavioral health services.  Operating results and statistics for these product
groups are presented below for the periods noted. 

SUMMARY OF OPERATING RESULTS AND STATISTICS
<TABLE>
<CAPTION>
                                                                 March 31,
                                                                 ---------
Membership at end of period:                                1998           1997
                                                         ---------      ---------
<S>                                                      <C>            <C>
    HMO products                                           294,145        279,096
    AMS medical products                                   580,928        741,530
                                                        ----------      ---------
        Total medical products                             875,073      1,020,626

    AMS life products                                      238,824        354,894

    Specialty managed care products and services         1,365,072      1,229,600
</TABLE>

<TABLE>
<CAPTION>
                                                           Three months ended
                                                                March 31,
                                                                ---------
                                                           1998           1997
                                                         ---------      ---------
<S>                                                      <C>            <C>
Health services revenues (as a percentage of the total):
     HMO products                                           32.1%          28.8%
     AMS  products                                          60.7           64.7
     Specialty  managed  care  products  and                 8.2            7.6
        services
     Intercompany eliminations                              (1.0)          (1.1)
                                                           -----          -----
                  Total                                    100.0%         100.0%
                                                           -----          -----
                                                           -----          -----
</TABLE>

                                                7

<PAGE>

<TABLE>
<CAPTION>
                                                                Three months ended
                                                                     March 31,
                                                                     ---------
                                                                1998           1997
                                                             ---------      ---------
<S>                                                          <C>            <C>
Operating statistics:
  HMO products:
    Medical loss ratio (1)                                      88.4%         88.2%
    Selling, general and administrative expense ratio (2)        9.0           9.7

  AMS products
    Medical:
      Medical loss ratio (1)                                    79.0          79.0
      Selling, general and administrative expense ratio (2)     21.5          22.6
    Life:
      Loss ratio (1)                                            32.8          31.1
      Selling, general and administrative expense ratio (2)     29.3          29.7

  Specialty managed care products and services:
      Loss ratio (1)                                            71.1          73.1

  Consolidated:
      Loss ratio (1)                                            79.7          79.8
      Net income margin (3)                                      1.6           0.8                              
</TABLE>

(1)   Medical and other benefits as a percentage of premium revenue. 
(2)   Selling, general and administrative expenses as a percentage of premium
      revenue.
(3)   Net income as a percentage of total revenues.

     The Company's revenues are derived primarily from premiums, while medical
benefits constitute the majority of expenses.  Profitability is directly
affected by many factors including, among others, premium rate adequacy,
estimates of medical benefits, health care utilization, effective administration
of benefit payments, operating efficiency, investment returns and federal and
state laws and regulations.

RESULTS OF OPERATIONS

TOTAL REVENUES

     Total revenues for the three months ended March 31, 1998 decreased 1.8% to
$404.9 million from $412.4 million for the three months ended March 31, 1997. 
These decreases were due primarily to decreased membership as a result of AMS's
effort to improve certain product line's profitability.

     HEALTH SERVICES REVENUES -- HMO health services revenues for the three
months ended March 31, 1998 increased 9.4% to $126.6 million from $115.7 million
for the three months ended March 31, 1997.  Average HMO medical premium per
member for the three months ended March 31, 1998 increased 3.5% from the same
period in the prior year.  The average number of HMO medical members for the
three months ended March 31, 1998 increased 5.8% to 293,149 from 277,066 for the
three months ended March 31, 1997. 

     Health services revenues for AMS products for the three months ended March
31, 1998 decreased 7.9% to $239.7 million from $260.3 million for the three
months ended March 31, 1997.  While average medical premium per member increased
19.6% for the three months ended March 31, 1998 compared to the three months
ended March 31, 1997, the average number of small group medical members
outstanding decreased 23.0% for the three months ended March 31, 1998 to 602,329
from 782,122 for the three months ended March 31, 1997.  Much of this membership
decline was the result of AMS's efforts to return this block of business to
profitability.  These steps included: (i) exiting certain unprofitable markets
in Texas and Kentucky, (ii) canceling one life dental business, and (iii)
implementing substantial

                                      8

<PAGE>

rate increases for certain product lines which resulted in membership losses 
but improved profitability on renewed business.  AMS continued to pursue 
initiatives  to reverse this membership decline, including new agency sales 
relationships, expansion into new geographic areas, acquisitions of blocks of 
business, and introduction of new products. 

     Health services revenues for specialty managed care products and services
for the three months ended March 31, 1998 increased 6.6% to $32.5 million from
$30.5 million for the three months ended March 31, 1997.  This increase was due
primarily to an increase in general membership.                   

     INVESTMENT RESULTS --  Investment results include investment income and
realized gains (losses) on investments.  Investment results for the three months
ended March 31, 1998 increased 1.3% to $10.0 million from $9.8 million for the
three months ended March 31, 1997.  Average annual investment yields, excluding
net realized gains, remained constant at 5.9% for the three months ended March
31, 1998 and 1997.  Investment gains are realized in the normal investment
process in response to market opportunities.  Average invested assets for the
three months ended March 31, 1998 decreased 1.8% to $495.8 million from $505.1
million for the three months ended March 31, 1997. The decrease in average
invested assets is due primarily to the decrease in medical and other benefits
payable resulting from the membership decline for AMS products over the past
year. 

EXPENSE RATIOS

     LOSS RATIO - The consolidated loss ratio represents the ratio of medical
and other benefits to premium revenue for the Company on a consolidated basis,
and is therefore a blended ratio for medical, life, dental, disability and other
product lines.  The consolidated loss ratio was 79.7% for the first quarter of
1998 compared with 79.8% for the first quarter of 1997.  The consolidated loss
ratio is influenced by the component loss ratio for each of the Company's
primary product lines, as discussed below.

     The medical loss ratio for HMO products for the three months ended March
31, 1998 was 88.4%, compared with 88.2% for the three months ended March 31,
1997.  The increase in the medical loss ratio in 1998 for HMO products is due
primarily to higher loss experience in the southeastern Wisconsin HMO market,
due in part to certain high-cost claims, an increase in the drug cost component
and an increase in outpatient utilization. 

     The medical loss ratio for AMS products for the three months ended March
31, 1998 remained constant with the three months ended March 31, 1997 at 79.0%. 
AMS continues to reprice its products and eliminate unprofitable business. 

     The loss ratio for specialty managed care products and services for the
three months ended March 31, 1998 was 71.1%, compared with 73.1% for the three
months ended March 31, 1997.  The decrease is primarily attributable to improved
results in the United Heartland worker's compensation block of business. 

     SELLING, GENERAL, AND ADMINISTRATIVE EXPENSE RATIO -- The selling, general
and administrative (SGA) expense ratio includes commissions, administrative
expenses, and premium taxes and other assessments.  The SGA expense ratio for
HMO products for the first quarter of 1998 was 9.0%, compared with 9.7% for the
first quarter of 1997.  The decrease was due to improved management efficiencies
at each of the Company's HMOs, as well as a decline in assessments related to
Wisconsin's Health Insurance Risk Sharing Plan.

     The SGA expense ratio for AMS medical products for the three months ended
March 31, 1998 was 21.5%, compared with 22.6% for the three months ended March
31 ,1997.  The SGA expense ratio for AMS life products for the first quarter of
1998 was 29.3%, compared with 29.7% for the same period in the prior year.  AMS
products are sold exclusively through independent agents who are compensated
through commissions.  Over time, renewal business has gradually represented a
larger proportion of the total AMS medical and life business. Since renewal
commissions are typically lower than commissions on new sales, this has
contributed to the decrease in the expense ratios.  AMS continues to focus on
efforts to improve operating efficiency through process re-engineering and to
align staff commensurate with gross premium revenue.

                                      9

<PAGE>

     SGA expenses related to specialty managed care products and services
increased 3.6% for the three months ended March 31, 1998 to $14.9 million from
$14.4 million for the same period in the prior year.  Increases in SGA expenses
are tied to health services revenues which increased 6.6% for the three months
ended March 31, 1998 over the same period in 1997.

OTHER EXPENSES

     Profit sharing on joint ventures was $1.1 million for the three months
ended March 31, 1998, compared with $0.8 million for the three months ended
March 31, 1997.  These balances represent profit sharing expenses related to the
Unity and Valley joint ventures. 

     Interest expense increased to $2.3 million for the three months ended March
31, 1998 from $2.2 million for the same period in the prior year.  Amortization
of goodwill and other intangibles totaled $2.3 million for the first quarter of
1998, compared with $2.4 million of amortization expense for the first quarter
of 1997.

NET INCOME

     Consolidated net income for the three months ended March 31, 1998 increased
89.6% to $6.4 million or $0.39 per share from $3.4 million or $0.21 per share
for the three months ended March 31, 1997. 

     The Company's effective tax rate was 39.9% for the three months ended March
31, 1998 compared with 44.1% for the three months ended March 31, 1997. 
Excluding the impact of non-deductible goodwill related to the AMS merger and
other acquisitions, the Company's effective tax rate was 37.6% for the three
months ended March 31, 1998, compared with 39.6% for the three months ended
March 31, 1997.  The Company's effective tax rate fluctuates based upon the
relative profitability of the Company's three product lines and the differing
effective tax rates for each of those product lines.  The lower effective tax
rate in 1998 was due primarily to a higher proportion of the Company's income
being generated by AMS, which records a lower effective tax rate than the
Company's other subsidiaries.
 
LIQUIDITY AND CAPITAL RESOURCES

     The Company's sources of cash flow consist primarily of health services
revenues and investment income.  The primary uses of cash include medical and
other benefits and operating expense payments.  Positive cash flows are invested
pending future payments of medical and other benefits and other operating
expenses.  The Company's investment policies are designed to maximize yield,
preserve principal and provide liquidity to meet anticipated payment
obligations. 

     Historically, the Company has generated positive cash flow from operations.
For the three months ended March 31, 1998, net cash provided by or used in
operating activities amounted to a provision of $6.6 million, compared with
$14.8 million used for the three months ended March 31, 1997.  The increase in
cash flow from operations in 1998 was due primarily to an increase in earnings
and an increase in Compcare and Unity's advanced premiums.  Due to periodic cash
flow requirements of certain subsidiaries, the Company made borrowings under its
bank line of credit ranging up to $10.0 million during the first three months of
1998 and $7.0 million during the first three months of 1997 to meet short-term
cash needs. 

     The Company's investment portfolio consists primarily of investment grade
bonds and has a limited exposure to equity securities.  At March 31, 1998,
$393.6 million or 86.7% of the Company's total investment portfolio was invested
in bonds.  At December 31, 1997, $398.6 million or 92.5% of the Company's total
investment portfolio was invested in bonds.  The bond portfolio had an average
quality rating of Aa3 at both March  31, 1998 and December 31, 1997 by Moody's
Investor Service, and the majority of the bond portfolio was classified as
available for sale.  In accordance with Statement of Financial Accounting
Standards No. 115, bonds classified as available for sale are recorded on the
Company's balance sheet at market value.  The market value of the total
investment portfolio, which includes stocks and bonds, exceeded amortized cost
by $9.4 million and $8.8 million at March 31, 1998 and December 31, 1997,
respectively.  Unrealized holding gains and losses on bonds classified as
available for sale are included as a

                                      10

<PAGE>

component of shareholders' equity, net of applicable deferred taxes.  The 
Company has no investments in mortgage loans, non-publicly traded securities 
(except for principal only strips of U. S. Government securities), real 
estate held for investment or financial derivatives.

     From time to time, the Company makes capital contributions to its
subsidiaries to assist them in maintaining appropriate levels of capital and
surplus for regulatory and rating purposes.  Insurance subsidiaries are required
to maintain certain levels of statutory capital and surplus.  In Wisconsin,
where a large percentage of the Company's premium is written, these levels are
based upon the amount and type of premiums written and are calculated separately
for each subsidiary.  As of the balance sheet date presented, statutory capital
and surplus for each of these insurance subsidiaries exceeded required levels.

     In addition to internally generated funds and periodic borrowings on its
bank line of credit, the Company believes that additional financing to
facilitate long-term growth could be obtained through equity offerings, debt
offerings, financings from Blue Cross & Blue Shield United of Wisconsin or bank
borrowings, as market conditions may permit or dictate.

FORWARD LOOKING STATEMENTS
     
This report contains certain forward looking statements with respect to the
financial condition, results of operation and business of the Company.  Such
forward looking statements are subject to inherent risks and uncertainties that
may cause actual results to differ materially from those contemplated by such
forward looking statements.  Factors that may cause actual results to differ
materially from those contemplated by such forward looking statements include,
among others, rising health care costs, business conditions and competition in
the managed care industry, developments in health care reform and other
regulatory issues.



                                      11

<PAGE>

PART II.  OTHER INFORMATION

ITEM 1.   LEGAL PROCEEDINGS

          None

ITEM 2.   CHANGES IN SECURITIES

          None      

ITEM 3.   DEFAULTS UPON SENIOR SECURITIES

          None

ITEM 4.   SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

          None

ITEM 5.   OTHER INFORMATION

          On April 22, 1998, the Company announced its intention to separate its
          American Medical Security small group products business from its HMO 
          and specialty products business through a spin off.  The Company has 
          filed a private letter ruling request with the Internal Revenue 
          Service seeking a ruling that the distribution will  be tax free to 
          the Company and its shareholders.  The Company expects to complete the
          spin off during the third quarter of 1998.

ITEM 6.   EXHIBITS AND REPORTS ON FORM 8-K

          (a)  Exhibits
               
               3     Restated and Amended Bylaws of United Wisconsin Services, 
                     Inc. dated February 25, 1998.
     
               10.1  Employment and Noncompetition Agreement between United
                     Wisconsin Services, Inc., American Medical Security 
                     Holdings, Inc., and Samuel V. Miller.
      
               11    Statement regarding computation of per share earnings.
                     (See Note 1 of Notes to Interim Consolidated Financial
                     Statements).
                    
          (b)  Reports on Form 8-K

               None

                                      12

<PAGE>

                                  SIGNATURE


Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.



DATE:   5/14/98  
      -----------

                                 UNITED WISCONSIN SERVICES, INC.




                                        /s/ C. Edward Mordy
                                 ------------------------------------------
                                          C. Edward Mordy   
                                 Vice President and Chief Financial Officer
                                      (Principal Financial Officer and     
                                          Chief Accounting Officer)      





                                      13

<PAGE>

                          UNITED WISCONSIN SERVICES, INC.
                                 INDEX TO EXHIBITS


                                                                    Sequential
Exhibit                                                                Page
Number               Document Description                             Number
-------              --------------------                           ----------
3        Restated and Amended Bylaws of United Wisconsin                15
         Services, Inc. dated February 25, 1998.
     
10.1     Employment and Noncompetition Agreement between                46
         United Wisconsin Services, Inc., American Medical 
         Security Holdings.  Inc., and Samuel V. Miller.
     
11       Statement regarding computation of per share
         earnings.  (See Note 1 of Notes to Interim
         Consolidated Financial Statements).




                                      14